There will be dividends if you pay in digital currency
Publish: 2021-04-17 04:26:58
1.
Nowadays, with the development of the Internet age, the era of digital currency is coming. Digital currency obviously provides convenience for people's life, and there are many advantages. However, digital currency has no advantages of real currency and no interest{ RRRRR}
Third, digital currency has no interestbut the promotion of digital currency also has certain obstacles, for example, our payment platform today, and these mobile payment also need network, once the network problems, then even can not complete the payment. However, digital currency is different, not only does it need no network, but also will not be limited by time and space, and even does not need handling charges< it's just that digital currency has no interest of real currency, which is also the case that many people are reluctant to use digital currency
2. The people's Bank of China has designed a two-tier architecture for digital currency
specifically, according to Yao Qian, director of China digital currency Research Institute, the design framework of central bank's digital currency is mainly convenient and efficient, safe and controllable, and popular development
as for the two-tier framework, the two-tier framework is the central bank and the commercial bank, based on the account and wallet. This framework is to combine the original bank account system with the account system based on digital currency wallet
in blockchain technology, digital currency is separated from legal currency system and bank account system. Otherwise, together, it will cause chaos. Considering this problem, Yao Qian introced digital currency wallet into the account system of commercial banks. In this way, an account can manage both electronic currency and digital currency. Of course, this kind of design has a great impact on the current banking system, but it is also a resource for commercial banks with mature system
how does digital currency wallet work in commercial banks
bank accounts and digital currency wallets of commercial banks have common management features. In this case, bank accounts and digital wallets have different positioning. According to the wallet standard designed by the central bank, a wallet is equal to a safe deposit box. According to the requirements of customers, the bank will manage the safe deposit box as all the properties of cryptocurrency. This framework adds a Digital Wallet ID field to the bank account. In this way, the wallet has the function of a safe deposit box and does not participate in the business, so as to avoid affecting the core business of the bank
digital currency transfer can be directly transferred in the commercial banking system, or through the note issuing bank using the client-side digital wallet, direct point-to-point transactions, so that there is no need to rely on inter-bank payment between account banks< In a word, digital currency wallet is the personal wallet in the commercial banking system
theoretically, the payment system deals with demand deposits, while digital currency is in the category of cash
is the digital currency issued by the central bank decentralized
Yao Qian said that the biggest issue facing the instry now is whether decentralized distributed ledger should be used at the top level
Central Bank digital currency is more convenient and can develop into controllable anonymity through centralized issuance and account based weak association. However, in the digital world, we cannot confuse the economy and finance behind the numbers. Although they are all numbers, they represent different assets, so the central bank will keep them in mind when designing. We want to have a mature financial infrastructure for legal digital currency, but considering that the note issuing bank is only responsible for the digital currency itself, and the account bank is responsible for the actual management business, so as long as the specific application is implemented, the note issuing bank and the account bank will perform their ties and do their best
then the characteristics of the central bank's digital currency are
1. Digital currency, like RMB, has stable value
2. The operation mode is the same as RMB, which is endorsed by the national credit and issued by the central bank, and all commercial banks exchange it into the market
3. Digital currency issuance relies on big data, because it has the possibility of real-time collection of currency bookkeeping, flow, transaction, etc., which can provide help in anti money laundering
4. After digital currency replaces paper currency, it will play a positive role in preventing counterfeit banknotes, changing change, and preventing damage and loss ring transaction storage
5. It will rece the waste of resources. The proction and printing of paper money need cost, while the proction of digital currency depends on big data, so it will rece the waste of resources
therefore, with the advent of the central bank's digital currency, personal participation will have less opportunities to make money
I hope it can help you
hope to adopt it
specifically, according to Yao Qian, director of China digital currency Research Institute, the design framework of central bank's digital currency is mainly convenient and efficient, safe and controllable, and popular development
as for the two-tier framework, the two-tier framework is the central bank and the commercial bank, based on the account and wallet. This framework is to combine the original bank account system with the account system based on digital currency wallet
in blockchain technology, digital currency is separated from legal currency system and bank account system. Otherwise, together, it will cause chaos. Considering this problem, Yao Qian introced digital currency wallet into the account system of commercial banks. In this way, an account can manage both electronic currency and digital currency. Of course, this kind of design has a great impact on the current banking system, but it is also a resource for commercial banks with mature system
how does digital currency wallet work in commercial banks
bank accounts and digital currency wallets of commercial banks have common management features. In this case, bank accounts and digital wallets have different positioning. According to the wallet standard designed by the central bank, a wallet is equal to a safe deposit box. According to the requirements of customers, the bank will manage the safe deposit box as all the properties of cryptocurrency. This framework adds a Digital Wallet ID field to the bank account. In this way, the wallet has the function of a safe deposit box and does not participate in the business, so as to avoid affecting the core business of the bank
digital currency transfer can be directly transferred in the commercial banking system, or through the note issuing bank using the client-side digital wallet, direct point-to-point transactions, so that there is no need to rely on inter-bank payment between account banks< In a word, digital currency wallet is the personal wallet in the commercial banking system
theoretically, the payment system deals with demand deposits, while digital currency is in the category of cash
is the digital currency issued by the central bank decentralized
Yao Qian said that the biggest issue facing the instry now is whether decentralized distributed ledger should be used at the top level
Central Bank digital currency is more convenient and can develop into controllable anonymity through centralized issuance and account based weak association. However, in the digital world, we cannot confuse the economy and finance behind the numbers. Although they are all numbers, they represent different assets, so the central bank will keep them in mind when designing. We want to have a mature financial infrastructure for legal digital currency, but considering that the note issuing bank is only responsible for the digital currency itself, and the account bank is responsible for the actual management business, so as long as the specific application is implemented, the note issuing bank and the account bank will perform their ties and do their best
then the characteristics of the central bank's digital currency are
1. Digital currency, like RMB, has stable value
2. The operation mode is the same as RMB, which is endorsed by the national credit and issued by the central bank, and all commercial banks exchange it into the market
3. Digital currency issuance relies on big data, because it has the possibility of real-time collection of currency bookkeeping, flow, transaction, etc., which can provide help in anti money laundering
4. After digital currency replaces paper currency, it will play a positive role in preventing counterfeit banknotes, changing change, and preventing damage and loss ring transaction storage
5. It will rece the waste of resources. The proction and printing of paper money need cost, while the proction of digital currency depends on big data, so it will rece the waste of resources
therefore, with the advent of the central bank's digital currency, personal participation will have less opportunities to make money
I hope it can help you
hope to adopt it
3. It should be deceiving to promote bixe to set up money payment wallets around the world. At present, there is no complete and complete popularization in China, and this kind of digital currency has not been announced by the central bank
4. This is definitely not possible, now Taobao does not support digital currency.
5. Go language has not shown a clear direction since its appearance. Google employees call it an "experimental language", saying that it tries to integrate the development speed of dynamic languages such as python with the performance and security of compiled languages such as C or C + +. A supporter of go language summarizes that go language is as follows: simple, fast, safe, concurrent, happy programming, open source; But go language lacks direction and the attempt of its "synthesizer" will easily lead to its failure to learn from cats and dogs, and become a four unlike. Nevertheless, the editors still think that go language has great potential: many developers are interested in it - not only its original designers have a strong lineup, but also the people involved in modifying the source code. This is likely to help go language find its own direction and open up a new direction of system programming.
6. Digital currency has no value base, and many of them are gimmicks of MLM game
at present, it is impossible to shake the status of legal currency
at present, it is impossible to shake the status of legal currency
7. Digital RMB sounds like a science fiction concept, but it has quietly become a reality
on the evening of October 8, 2020, the official microblog of Shenzhen Internet Information Office announced that in order to promote the construction of Guangdong, Hong Kong and Macao Dawan District, and in combination with the local consumption promotion policy, Shenzhen Municipal People's government recently launched a pilot project of digital RMB red envelope with the people's Bank of China. This means that the digital RMB in the process of practical application has been an important step forward
when we talk about digital currency, we usually think of bitcoin and other folk currencies based on blockchain technology. But they are essentially different
Yang Jun, a researcher of digital currency, introced to time finance that cryptocurrencies such as bitcoin are basically decentralized and illegal, and have no legal compensation, so there are great risks. The central bank's digital currency, like paper money, is centralized, legal, and has national credit endorsement
from the perspective of usage mode, digital RMB is more similar to the existing third-party mobile payment, but has the advantages of higher credit endorsement, stronger privacy management, more advanced means of payment and so on< According to Yang Jun's analysis, in the future, digital RMB will have a huge impact and challenge on the existing third-party payment means
it can be said that digital RMB "has come out"
for digital RMB, the central bank has long had a layout. In 2016, the central bank established the digital currency Research Institute. At the end of 2017, with the approval of the State Council, the central bank organized some commercial banks and relevant institutions to jointly develop the digital RMB system (DC / EP). In April 2020, digital RMB will be tested for the first time in Shenzhen, Suzhou, xiong'an, Cheng and the future Winter Olympics
Zhang Jinxi, director of Guangdong Creative Economy Research Association and chairman of Yimi Holding Co., Ltd., the initiator of blockchain instrial intelligent park, told time finance that the last closed test was limited in personnel and use scenarios, mainly to test the performance of digital RMB
"the first is the technical feasibility and security, the second is the performance of high-frequency payment and exchange, and the third is the convenience and friendliness of payment." Zhang Jinxi said.
on the evening of October 8, 2020, the official microblog of Shenzhen Internet Information Office announced that in order to promote the construction of Guangdong, Hong Kong and Macao Dawan District, and in combination with the local consumption promotion policy, Shenzhen Municipal People's government recently launched a pilot project of digital RMB red envelope with the people's Bank of China. This means that the digital RMB in the process of practical application has been an important step forward
when we talk about digital currency, we usually think of bitcoin and other folk currencies based on blockchain technology. But they are essentially different
Yang Jun, a researcher of digital currency, introced to time finance that cryptocurrencies such as bitcoin are basically decentralized and illegal, and have no legal compensation, so there are great risks. The central bank's digital currency, like paper money, is centralized, legal, and has national credit endorsement
from the perspective of usage mode, digital RMB is more similar to the existing third-party mobile payment, but has the advantages of higher credit endorsement, stronger privacy management, more advanced means of payment and so on< According to Yang Jun's analysis, in the future, digital RMB will have a huge impact and challenge on the existing third-party payment means
it can be said that digital RMB "has come out"
for digital RMB, the central bank has long had a layout. In 2016, the central bank established the digital currency Research Institute. At the end of 2017, with the approval of the State Council, the central bank organized some commercial banks and relevant institutions to jointly develop the digital RMB system (DC / EP). In April 2020, digital RMB will be tested for the first time in Shenzhen, Suzhou, xiong'an, Cheng and the future Winter Olympics
Zhang Jinxi, director of Guangdong Creative Economy Research Association and chairman of Yimi Holding Co., Ltd., the initiator of blockchain instrial intelligent park, told time finance that the last closed test was limited in personnel and use scenarios, mainly to test the performance of digital RMB
"the first is the technical feasibility and security, the second is the performance of high-frequency payment and exchange, and the third is the convenience and friendliness of payment." Zhang Jinxi said.
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